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\caption*{Online Appendix Table 2: Attrited Sample Summary Statistics and Balance-Philippines}
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\\[-1.8ex]\hline \hline \\[-1.8ex]
 & \multicolumn{2}{c}{(1)}  & \multicolumn{2}{c}{(2)}  & \multicolumn{2}{c}{(3)}  & \multicolumn{2}{c}{(2)-(3)} \\
 & \multicolumn{2}{c}{Total Sample}  & \multicolumn{2}{c}{Attrited Control}  & \multicolumn{2}{c}{Attrited Treatment}  & \multicolumn{2}{c}{Pairwise t-test}  \\
Variable & N & Mean/(SD) & N & Mean/(SD) & N & Mean/(SD) & N & P-value \\ \hline \\[1ex]
\textbf{\emph{A. Client Characteristics}} & & & & & & & & \\
Age   & 198    & 42.040    & 101    & 42.089    & 97    & 41.990    & 198    & 0.950   \\
 &   & (11.177)  &   & (11.123)  &   & (11.291)  &   &  \\ [1ex]
Female   & 198    & 1.000    & 101    & 1.000    & 97    & 1.000    & .n    & .n   \\
 &   & (0.000)  &   & (0.000)  &   & (0.000)  &   &  \\ [1ex]
  \textbf{Education} & & & & & & & & \\ [1ex]
High School or Above   & 198    & 0.773    & 101    & 0.782    & 97    & 0.763    & 198    & 0.748   \\
 &   & (0.420)  &   & (0.415)  &   & (0.428)  &   &  \\ [1ex]
   \textbf{Business Type} & & & & & & & & \\
Business is Primary Source of Income   & 198    & 0.545    & 101    & 0.554    & 97    & 0.536    & 198    & 0.796   \\
 &   & (0.499)  &   & (0.500)  &   & (0.501)  &   &  \\ [1ex]
Retail: Food   & 198    & 0.576    & 101    & 0.614    & 97    & 0.536    & 198    & 0.271   \\
 &   & (0.495)  &   & (0.489)  &   & (0.501)  &   &  \\ [1ex]
  \hline \\
 \textbf{\emph{B. Business Practices}} & & & & & & & & \\ [1ex]
Do Separate Business \& Household Cash   & 198    & 0.687    & 101    & 0.644    & 97    & 0.732    & 198    & 0.182   \\
 &   & (0.465)  &   & (0.481)  &   & (0.445)  &   &  \\ [1ex]
Do Pay Salary to Self   & 198    & 0.157    & 101    & 0.139    & 97    & 0.175    & 198    & 0.481   \\
 &   & (0.364)  &   & (0.347)  &   & (0.382)  &   &  \\ [1ex]
Do Calculate Profits   & 198    & 0.773    & 101    & 0.743    & 97    & 0.804    & 198    & 0.304   \\
 &   & (0.420)  &   & (0.439)  &   & (0.399)  &   &  \\ [1ex]
Give customers credit for at most 7 days   & 165    & 0.812    & 82    & 0.817    & 83    & 0.807    & 165    & 0.872   \\
 &   & (0.392)  &   & (0.389)  &   & (0.397)  &   &  \\ [1ex]
Do nothing when customers do not pay credit   & 198    & 0.066    & 101    & 0.079    & 97    & 0.052    & 198    & 0.435   \\
 &   & (0.248)  &   & (0.271)  &   & (0.222)  &   &  \\ [1ex]
Keep Business Records   & 198    & 0.717    & 101    & 0.733    & 97    & 0.701    & 198    & 0.623   \\
 &   & (0.452)  &   & (0.445)  &   & (0.460)  &   &  \\ [1ex]
Keep Customer Credit Records   & 165    & 0.661    & 82    & 0.695    & 83    & 0.627    & 165    & 0.355   \\
 &   & (0.475)  &   & (0.463)  &   & (0.487)  &   &  \\ [1ex]
Determine stock based on a good strategy   & 198    & 0.207    & 101    & 0.168    & 97    & 0.247    & 198    & 0.171   \\
 &   & (0.406)  &   & (0.376)  &   & (0.434)  &   &  \\ [1ex]
Never Visit competitors to check prices/quality   & 198    & 0.788    & 101    & 0.792    & 97    & 0.784    & 198    & 0.883   \\
 &   & (0.410)  &   & (0.408)  &   & (0.414)  &   &  \\ [1ex]
Never Talk to customers to understand needs   & 198    & 0.545    & 101    & 0.545    & 97    & 0.546    & 198    & 0.979   \\
 &   & (0.499)  &   & (0.500)  &   & (0.500)  &   &  \\ [1ex]
Never do supplier quality comparison   & 198    & 0.414    & 101    & 0.446    & 97    & 0.381    & 198    & 0.363   \\
 &   & (0.494)  &   & (0.500)  &   & (0.488)  &   &  \\ [1ex]
Never Negotiated terms with suppliers   & 198    & 0.470    & 101    & 0.485    & 97    & 0.454    & 198    & 0.659   \\
 &   & (0.500)  &   & (0.502)  &   & (0.500)  &   &  \\ [1ex]
Took full advantage of cash discount   & 50    & 0.740    & 25    & 0.720    & 25    & 0.760    & 50    & 0.753   \\
 &   & (0.443)  &   & (0.458)  &   & (0.436)  &   &  \\ [1ex]
  \hline \\
 \textbf{\emph{C. Business Performance}} & & & & & & & & \\ [1ex]
 
Sales-Regular Week (Winsorized at 1\%)   & 179    & 3944.050    & 89    & 4063.876    & 90    & 3825.556    & 179    & 0.713   \\
 &   & (4317.047)  &   & (4958.475)  &   & (3596.528)  &   &  \\ [1ex]
Profits-Regular Week (Winsorized at 1\%)   & 185    & 1793.405    & 95    & 1634.947    & 90    & 1960.667    & 185    & 0.314   \\
 &   & (2194.321)  &   & (2506.625)  &   & (1806.503)  &   &  \\ [1ex]
\hline \hline \\[-1.8ex]
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\multicolumn{9}{@{} p{22cm}}{\emph{Source:} Primary data collected by research team} \\
\multicolumn{9}{@{} p{22cm}}{Notes: This table presents summary statistics based on baseline survey data. Standard deviations (column 2, 3, 4) of variables and p-values (column 5) appear in parentheses. * Denotes significance at 10\%-level, ** at the 5\%-level, and *** at the 1\%-level}

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